Oakbrook, KY
How exposed is Oakbrook to wildfire?
USFS's Wildfire Risk to Communities model puts Oakbrook at the 12th national percentile for risk to structures, among the lower wildfire-risk places nationally — a score built from 2,891 actual buildings. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Oakbrook at the 14th national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
What "at risk" means for the buildings here
40.7% of Oakbrook's 2,891 buildings sit in USFS's Direct exposure zone, roughly 1,177 structures close enough to burnable vegetation for flame contact, not just embers — 18.7% fall in the Indirect, ember-only zone and 40.6% are Minimal.
How Oakbrook compares
Oakbrook scores 12th nationally and 19th within Kentucky — close enough that its state context doesn't change the picture the national number already gives. Among the 31,521 US communities USFS scores, Oakbrook ranks 27,606 for wildfire risk (1 is highest) and 5,600 by building count (1 is largest). Within Kentucky alone, it ranks 447 of 552 places by risk. See the full county-by-county picture for Kentucky on its state page.
Shopping for coverage in Oakbrook
Oakbrook's low rating (12th percentile nationally) sits outside the range where wildfire risk alone reshapes an insurance market — still, a homeowner here loses nothing by comparing rates.
Lowering exposure, not just insuring around it
Because Direct exposure dominates in Oakbrook (40.7%), the highest-leverage fix is defensible space, not roofing or vents alone — covered in the home-hardening guide.
More on how this number was built
Oakbrook's 12th-percentile score and its burn-probability figure both come from the same USFS workbook, documented in the methodology guide. For more on what direct exposure implies beyond Oakbrook, see the exposure-zones guide.